Table 30. Consumer units with reference person age 65 and over by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Complete reporting of income Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 more Number of consumer units (in thousands)........... 21,375 689 2,618 3,701 2,866 3,819 2,351 1,573 1,751 2,007 Consumer unit characteristics: Income before taxes a/ .......................... $33,076 $1,955 $8,087 $12,460 $17,520 $24,536 $34,777 $44,601 $58,930 $119,223 Income after taxes a/ ........................... 31,714 1,889 8,013 12,365 17,327 21,488 34,304 43,937 57,671 113,260 Age of reference person.......................... 75.2 76.0 77.0 77.3 76.1 75.5 74.1 73.4 72.6 71.8 Average number in consumer unit: Persons......................................... 1.7 1.4 1.2 1.3 1.6 1.7 1.9 2.0 2.2 2.5 Children under 18............................... .1 b/ b/ b/ b/ b/ .1 .1 .1 .2 Persons 65 and over............................. 1.4 1.2 1.1 1.1 1.3 1.5 1.5 1.5 1.5 1.5 Earners......................................... .5 .1 .1 .1 .2 .4 .6 .7 .9 1.4 Vehicles........................................ 1.5 .8 .7 .9 1.3 1.6 2.0 2.1 2.3 2.5 Percent distribution: Sex of reference person: Male............................................ 46 32 26 28 42 50 57 58 64 68 Female.......................................... 54 68 74 72 58 50 43 42 36 32 Housing tenure: Homeowner....................................... 80 61 57 70 82 85 89 91 93 95 With mortgage.................................. 18 12 7 9 13 17 20 26 35 38 Without mortgage............................... 62 49 50 60 68 68 69 65 57 57 Renter.......................................... 20 39 43 30 18 15 11 9 7 5 Race of reference person: Black or African-American....................... 9 17 18 10 10 8 7 7 5 6 White, Asian, and All Other Races............... 91 83 82 90 90 92 93 93 95 94 Education of reference person: Elementary (1-8)................................ 13 23 30 18 16 11 7 4 4 3 High school (9-12).............................. 46 43 47 57 54 47 47 42 33 23 College......................................... 40 31 22 25 30 41 46 54 63 74 Never attended and other........................ 1 2 1 1 1 c/ c/ d/ c/ c/ At least one vehicle owned or leased............. 82 58 54 70 84 90 96 95 97 96 Average annual expenditures....................... $30,893 $18,369 $13,096 $17,466 $22,998 $28,496 $33,876 $39,366 $47,378 $74,885 Food............................................. 4,115 3,039 2,081 2,649 3,170 3,925 4,598 5,418 6,290 8,282 Food at home.................................... 2,683 2,056 1,615 1,998 2,291 2,560 2,980 3,411 3,825 4,502 Cereals and bakery products.................... 394 295 266 304 353 370 422 495 576 601 Cereals and cereal products................... 119 110 98 108 111 107 126 149 143 153 Bakery products............................... 275 185 168 196 242 263 296 346 434 448 Meats, poultry, fish, and eggs................. 682 557 424 485 568 655 748 880 997 1,158 Beef.......................................... 194 178 105 123 151 181 231 310 321 283 Pork.......................................... 153 139 98 109 126 181 176 169 187 218 Other meats................................... 89 56 52 65 83 77 83 100 134 196 Poultry....................................... 105 93 79 90 103 87 111 109 146 177 Fish and seafood.............................. 103 60 64 67 69 88 104 151 168 230 Eggs.......................................... 38 32 27 31 35 40 43 41 41 54 Dairy products................................. 301 229 164 226 245 298 342 409 417 496 Fresh milk and cream.......................... 116 96 81 97 106 113 126 139 157 161 Other dairy products.......................... 185 133 84 129 139 185 216 270 260 334 Fruits and vegetables.......................... 507 398 311 414 452 481 567 585 631 890 Fresh fruits.................................. 169 123 100 129 151 160 200 194 201 314 Fresh vegetables.............................. 167 138 103 143 139 158 179 183 209 315 Processed fruits.............................. 98 79 58 83 91 92 106 123 135 147 Processed vegetables.......................... 73 59 51 60 70 70 81 83 86 114 Other food at home............................. 799 577 450 569 674 757 901 1,043 1,204 1,358 Sugar and other sweets........................ 105 58 61 82 92 101 115 148 135 177 Fats and oils................................. 79 66 55 64 63 74 94 100 107 112 Miscellaneous foods........................... 387 274 205 273 328 354 424 530 638 652 Nonalcoholic beverages........................ 197 168 122 139 178 202 230 226 258 321 Food prepared by consumer unit on out-of-town trips............................ 31 e/ 11 e/ 7 11 12 26 38 38 67 95 Food away from home............................. 1,432 983 465 651 879 1,365 1,618 2,008 2,465 3,781 Alcoholic beverages.............................. 238 145 87 105 116 214 218 247 427 867 Housing.......................................... 10,117 7,556 5,413 7,075 8,292 9,565 10,677 11,990 13,975 20,928 Shelter......................................... 5,308 4,597 3,098 3,714 4,415 4,852 5,340 5,907 7,345 11,226 Owned dwellings................................ 3,542 2,344 1,390 1,857 2,921 3,250 3,843 4,489 5,538 8,473 Mortgage interest and charges................. 871 546 173 264 472 796 769 1,220 1,920 2,652 Property taxes................................ 1,396 998 752 857 1,257 1,305 1,472 1,632 1,970 2,957 Maintenance, repairs, insurance, other expenses..................................... 1,276 801 465 736 1,193 1,148 1,602 1,637 1,648 2,864 Rented dwellings............................... 1,369 2,114 1,656 1,743 1,343 1,334 1,137 910 963 1,139 Other lodging.................................. 396 e/ 139 51 114 152 268 360 507 844 1,614 Utilities, fuels, and public services........... 2,536 1,812 1,614 1,945 2,307 2,572 2,811 3,017 3,234 4,028 Natural gas.................................... 420 292 281 353 376 447 455 496 505 602 Electricity.................................... 949 684 625 731 853 955 1,035 1,097 1,202 1,557 Fuel oil and other fuels....................... 152 e/ 97 86 121 167 164 200 121 150 236 Telephone services............................. 688 520 443 499 624 688 736 822 949 1,115 Water and other public services................ 328 220 179 241 288 318 386 481 427 518 Household operations............................ 667 313 181 577 521 682 600 578 921 1,695 Personal services.............................. 195 e/ 81 e/ 65 283 e/ 240 e/ 214 e/ 80 e/ 26 e/ 213 397 Other household expenses....................... 472 232 117 293 282 468 520 551 708 1,298 Housekeeping supplies........................... 518 348 259 352 435 461 588 787 741 970 Laundry and cleaning supplies.................. 111 95 75 83 99 102 126 115 167 185 Other household products....................... 257 192 112 173 191 225 297 462 331 508 Postage and stationery......................... 150 61 71 96 145 133 164 210 243 278 Household furnishings and equipment............. 1,089 486 261 487 613 999 1,339 1,702 1,734 3,008 Household textiles............................. 134 38 53 46 80 132 146 170 288 358 Furniture...................................... 219 e/ 90 45 85 104 168 240 395 324 743 Floor coverings................................ 48 e/ 36 e/ 6 41 5 22 59 98 129 109 Major appliances............................... 174 e/ 82 60 100 148 145 197 285 213 448 Small appliances, miscellaneous housewares.................................... 83 26 25 46 54 74 124 112 107 224 Miscellaneous household equipment.............. 430 214 72 169 221 458 573 642 673 1,127 Apparel and services............................. 931 535 488 485 653 784 1,034 1,306 1,431 2,382 Men and boys.................................... 194 96 93 75 101 189 231 306 339 475 Men, 16 and over............................... 171 e/ 70 74 61 87 176 200 276 295 419 Boys, 2 to 15.................................. 24 e/ 25 19 14 14 13 31 30 44 56 Women and girls................................. 443 191 245 264 288 380 493 630 623 1,150 Women, 16 and over............................. 414 186 237 237 274 363 454 607 582 1,056 Girls, 2 to 15................................. 28 e/ 5 e/ 8 28 15 17 39 24 41 94 Children under 2................................ 18 e/ 9 e/ 4 8 15 15 23 24 24 56 Footwear........................................ 143 e/ 142 92 80 170 114 129 131 269 280 Other apparel products and services............. 133 97 55 58 79 86 158 214 175 421 Transportation................................... 4,954 2,085 1,409 1,941 3,454 4,731 5,724 6,871 10,032 11,857 Vehicle purchases (net outlay).................. 2,158 e/ 704 e/ 437 625 1,275 2,051 2,421 3,104 5,218 5,475 Cars and trucks, new........................... 1,370 e/ 476 e/ 351 511 522 1,463 1,564 2,042 3,168 3,303 Cars and trucks, used.......................... 775 e/ 228 e/ 86 113 753 588 854 1,000 2,049 2,090 Other vehicles................................. e/ 13 d/ d/ d/ c/ d/ e/ 4 e/ 62 d/ e/ 82 Gasoline and motor oil.......................... 890 438 361 465 737 872 1,107 1,269 1,507 1,680 Other vehicle expenses.......................... 1,545 772 535 739 1,294 1,474 1,906 2,087 2,664 3,282 Vehicle finance charges........................ 122 e/ 49 38 44 67 107 173 173 223 323 Maintenance and repairs........................ 488 196 175 214 521 442 632 572 835 1,008 Vehicle insurance.............................. 687 361 271 383 560 720 831 994 1,075 1,269 Vehicle rental, leases, licenses, other charges....................................... 248 167 51 98 145 206 271 349 532 682 Public transportation........................... 361 170 76 112 148 333 290 412 643 1,420 Health care...................................... 3,890 2,377 2,083 2,865 3,530 4,211 4,687 4,448 5,233 6,016 Health insurance................................ 2,094 1,301 1,227 1,614 1,961 2,270 2,450 2,611 2,741 2,845 Medical services................................ 702 461 226 422 504 754 929 707 989 1,583 Drugs........................................... 934 509 567 754 920 1,022 1,072 945 1,262 1,296 Medical supplies................................ 160 107 62 75 146 165 236 184 240 292 Entertainment.................................... 1,494 571 435 632 811 1,443 2,156 2,309 2,207 3,783 Fees and admissions............................. 344 122 41 97 106 270 363 511 654 1,326 Television, radios, sound equipment............. 527 339 264 379 441 509 567 658 743 1,020 Pets, toys, hobbies, and playground equipment... 270 61 93 129 149 472 264 292 375 479 Other entertainment supplies, equipment, and services................................... 353 49 37 26 115 193 961 848 436 958 Personal care products and services.............. 461 273 195 279 406 449 521 573 757 906 Reading.......................................... 147 55 53 85 114 147 170 213 224 312 Education........................................ 212 e/ 230 e/ 18 25 42 109 133 130 511 1,145 Tobacco products and smoking supplies............ 158 117 112 110 138 166 191 187 208 231 Miscellaneous.................................... 611 260 241 254 528 639 747 827 791 1,477 Cash contributions............................... 2,042 747 329 700 1,167 1,434 1,769 2,932 2,249 9,045 Personal insurance and pensions.................. 1,521 380 151 260 579 678 1,251 1,915 3,045 7,653 Life and other personal insurance............... 393 161 133 182 321 302 493 518 611 1,067 Pensions and Social Security.................... 1,129 e/ 220 18 78 258 376 758 1,397 2,434 6,586 Sources of income and personal taxes: a/ Money income before taxes........................ 33,076 1,955 8,087 12,460 17,520 24,536 34,777 44,601 58,930 119,223 Wages and salaries.............................. 9,070 e/ 113 140 425 1,360 2,964 6,982 11,832 18,598 54,316 Self-employment income.......................... 1,924 e/ -1,491 e/ -4 e/ 35 45 338 698 1,571 3,587 15,051 Social Security, private and government retirement..................................... 19,251 2,797 7,138 11,391 15,198 19,433 24,411 27,372 31,889 37,189 Interest, dividends, rental income, other property income................................ 2,333 97 180 251 572 1,426 2,326 3,141 4,185 11,747 Unemployment and workers' compensation, veterans' benefits............................. 89 e/ 2 e/ 5 e/ 16 e/ 72 e/ 59 e/ 133 336 e/ 191 e/ 105 Public assistance, supplemental security income, food stamps............................ 209 183 483 254 183 165 151 e/ 81 e/ 130 137 Regular contributions for support............... 100 e/ 50 e/ 20 33 e/ 68 72 e/ 46 e/ 120 e/ 210 e/ 401 Other income.................................... 100 e/ 204 126 e/ 56 e/ 21 79 e/ 30 e/ 148 e/ 141 e/ 278 Personal taxes................................... 1,362 66 74 95 193 3,048 473 664 1,259 5,963 Federal income taxes............................ 1,045 -32 36 -2 62 2,744 138 268 742 4,765 State and local income taxes.................... 102 e/ -4 -1 -2 5 58 35 62 127 771 Other taxes..................................... 216 102 39 100 126 246 300 334 390 428 Income after taxes............................... 31,714 1,889 8,013 12,365 17,327 21,488 34,304 43,937 57,671 113,260 Addenda: Net change in total assets and liabilities....... -3,581 -284 -762 -192 -3,906 -2,646 -2,252 -1,062 -8,675 -15,042 Net change in total assets...................... -117 1,040 -155 458 -417 113 145 2,767 953 -5,033 Net change in total liabilities................. 3,465 1,325 607 650 3,489 2,758 2,397 3,829 9,628 10,009 Other financial information: Other money receipts............................ 489 e/ 230 e/ 119 159 127 272 1,187 292 463 1,960 Mortgage principal paid on owned property....... -778 -251 -146 -229 -507 -697 -763 -1,196 -1,852 -2,086 Estimated market value of owned home............ 140,882 86,894 63,572 89,950 108,114 140,532 169,308 175,913 204,255 285,525 Estimated monthly rental value of owned home.... 795 572 410 565 682 830 887 975 1,067 1,408 Gifts of goods and services...................... 976 728 282 515 755 704 1,009 910 1,668 3,146 Food............................................ 45 61 14 10 60 27 92 38 33 127 Alcoholic beverages............................. 9 e/ 6 e/ 1 e/ 2 e/ 7 7 11 e/ 3 10 50 Housing......................................... 227 82 69 162 285 165 274 278 308 482 Housekeeping supplies.......................... 40 32 17 30 24 33 36 56 73 91 Household textiles............................. 15 e/ 4 e/ 9 14 22 12 13 e/ 8 46 8 Appliances and miscellaneous housewares.................................... 29 c/ e/ 3 e/ 9 e/ 27 22 46 56 33 88 Major appliances.............................. 10 d/ d/ e/ 1 19 8 e/ 16 44 e/ 2 e/ 7 Small appliances and miscellaneous housewares................................... 19 c/ e/ 3 e/ 8 e/ 8 14 30 12 31 81 Miscellaneous household equipment.............. 46 e/ 20 11 26 23 46 87 50 71 87 Other housing.................................. 98 e/ 25 28 82 189 52 92 107 85 208 Apparel and services............................ 189 233 69 96 117 144 197 226 298 607 Males, 2 and over.............................. 55 76 37 31 41 49 63 77 65 116 Females, 2 and over............................ 83 e/ 38 22 39 41 66 67 96 148 332 Children under 2............................... 17 e/ 9 3 8 14 13 22 20 24 54 Other apparel products and services............ 35 e/ 110 e/ 8 18 21 16 45 34 62 105 Jewelry and watches........................... 11 e/ 5 e/ 2 e/ 3 8 9 12 22 18 34 All other apparel products and services....... 23 e/ 105 e/ 5 e/ 15 e/ 13 e/ 7 33 e/ 12 e/ 44 e/ 72 Transportation.................................. 49 e/ 2 e/ 5 60 13 24 66 36 176 81 Health care..................................... 125 e/ 158 e/ 63 e/ 80 e/ 121 127 172 e/ 40 e/ 107 307 Entertainment................................... 59 e/ 29 21 32 42 46 63 76 91 177 Toys, games, arts and crafts, and tricycles.... 26 e/ 3 e/ 10 17 14 24 28 37 39 67 Other entertainment............................ 34 e/ 26 11 15 29 22 35 40 52 110 Personal care products and services............. 15 e/ 8 e/ 4 16 9 19 8 12 36 28 Reading......................................... 3 e/ 0 e/ 1 1 1 2 4 5 8 6 Education....................................... 139 e/ 51 e/ 4 e/ 16 e/ 22 74 38 37 433 808 All other gifts................................. 115 99 31 39 76 69 83 158 169 472 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. b Value less than 0.05. c Value less than 0.5. d No data reported. e Data are likely to have large sampling errors.